OKCoin携手财新布道区块链技术与数字货币

众所周知，“金融科技”是继“互联网金融”又一被热点关注的概念。今日，财新网在北京金融街举行了第三期“金融工具坊“活动，来自OKCoin副总裁&首席研究员段新星为我们分享“金融科技”最底层的核心技术-“区块链技术”的有关知识。

It is well known that “financial science and technology” is another concept that has received much attention after “Internet finance.” Today, FCN held its third edition of the “Financial Tools Workshop” on the Beijing Financial Street, with new stars from the section of the Vice-President and Principal Researcher of OKCoin sharing our knowledge of “financial science and technology” at the bottom of the technology – “block chain technology.”

那么，区块链究竟是什么?它与数字货币的联系又在哪里，区块链热潮能否引发新一轮新旧金融体系之间的博弈?

So, what is the block chain? Where is its connection to the digital currency? Can the block chain boom trigger a new game between old and new financial systems?

接下来让我们一起跟着OKCoin副总裁&首席研究员段新星了解区块链的发展历程、运行方式以及实际应用，通过最通俗易懂的方式详解块链背后的技术原理，以展示区块链与数字货币的魅力。

Let us then follow the new star section of OkCoin's Vice-President & Principal Researcher to understand the evolution of the block chain, how it works and how it works and how it works in practice, and to elaborate on the technical principles behind the block chain in the most common and understandable way in order to show the charm of the block chain and the digital currency.

区块链的技术诞生的必然性

The inevitability of the technology of the block chain.

大家已经觉得如今的支付领域和金融应用领域已经达到非常便利的水平，还有什么地方可以做一些改进?但是大家如果仔细去思考的话，还是有很大可以提升的空间。比尔-盖茨曾预言64k的计算机内存对所有的pc计算机已足够使用，但现在再来看的话，我们用的计算机的内存已经突破1个G，由此可以看来，技术的突破也是随着需求和行业的痛点而逐渐实现的。

But there is still much room for improvement if you think about it. Bill-Gats predicted that the 64k computer memory was sufficient for all pc computers, but now, looking at it, we're using a computer memory that has broken through one G, so it seems that the breakthrough in technology has gradually taken place with the pain of demand and industry.

而区块链这项新的技术，也是伴随着某些需求而产生的，它是一种技术发展的必然趋势。

The new technology of block chains, which comes with certain needs, is a necessary trend in technological development.

段新星给大家简单介绍了一下目前区块链行业的资金进入情况。

The newcomer gave a brief overview of the financial access of the current block chain industry.

资本涌入区块链

Capital inflows into the chain of blocks

据最新数据显示，区块连行业公司最新的融资金额不断创下新高，2016年至今已经有大约3亿美金的投资额进入到区块链行业，其中包括摩根、高盛这些著名的风投机构，足见市场对这个行业的认可和关注，这也使区块链更加迅速的进入到大众的视野当中，引起大众的兴趣。

According to the latest data, the latest financing levels of block-to-industry companies have continued to rise, with some $300 million invested in 2016 to date in the sector's chain industry, including Morgan and Goldman Sachs, which is well known for its recognition and interest in the market, which has also brought the sector's chain more rapidly into the public's eyes and interest.

段新星用一个小故事给大家讲述了区块链技术可以解决的问题。

The new star tells you a small story about the problems that block chain technology can solve.

关于区块链的小故事

A little story about the block chain.

南美洲一个小城镇有一个老太太，在她一觉醒来它的房子被拆掉了，然后他就去投诉，属于自己的产权的房子怎么就被莫名的拆掉了?后来这件事情就被查明是当地贪腐的官员私自把老太太的房产产权篡改到了别人名下。这件事情的发生就推动了当地政府和区块链公司进行合作防止此类篡改数据的事情发生。为什么区块链技术能够解决这些问题呢?

In a small town in South America, there was an old woman who woke up and her house was torn down, and then he went to complain, and why the house belonging to her property had been demolished by unknown sources? Then it was discovered that local corrupt officials had embezzled the old lady’s property to someone else’s name. This prompted local governments and block chain companies to work together to prevent such manipulation of data.

段新星给大家分享区块链技术的几大特性。

New stars share a few of the characteristics of block chain technology.

区块链的特性

Features of block chains

由于使用分布式核算和存储，不存在中心化的硬件或管理机构，任意节点的权利和义务都是均等的，系统中的数据块由整个系统中具有维护功能的节点来共同维护。

As a result of the use of distributed accounting and storage, there is no centralized hardware or regulatory body, rights and obligations are equal at any node, and data blocks in the system are jointly maintained by nodes with maintenance functions throughout the system.

开放性

Openness

系统是开放的，除了交易各方的私有信息被加密外，区块链的数据对所有人公开，任何人都可以通过公开的接口查询区块链数据和开发相关应用，因此整个系统信息高度透明。

The system is open and, with the exception of the encryption of private information by the parties to the transaction, the data in the block chain are made available to all, and anyone can access the block chain data and develop relevant applications through open interfaces, thus providing a high degree of transparency of information throughout the system.

自治性

Autonomy

区块链采用基于协商一致的规范和协议(比如一套公开透明的算法)使得整个系统中的所有节点能够在去信任的环境自由安全的交换数据，使得对“人”的信任改成了对机器的信任，任何人为的干预不起作用。

The use of consensus-based norms and agreements in block chains (e.g. an open and transparent algorithm) allows all nodes of the system to exchange freely and secure data in a trusted environment, transforming trust in the “human person” into trust in the machine, and no one's intervention works.

信息不可篡改

Information cannot be tampered with.

一旦信息经过验证并添加至区块链，就会永久的存储起来，除非能够同时控制住系统中超过51%的节点，否则单个节点上对数据库的修改是无效的，因此区块链的数据稳定性和可靠性极高。

Once the information is validated and added to the block chain, it is permanently stored, and unless more than 51 per cent of the nodes in the system can be controlled simultaneously, changes to the database at a single node are invalid and therefore the data stability and reliability of the block chain are extremely high.

匿名性

Anonymous

由于节点之间的交换遵循固定的算法，其数据交互是无需信任的(区块链中的程序规则会自行判断活动是否有效)，因此交易对手无须通过公开身份的方式让对方自己产生信任，对信用的累积非常有帮助。

Since exchange between nodes follows a fixed algorithm, the interaction of data is untrustworthy (the rules of procedure in the block chain determine the validity of the activity) and therefore the counterparty does not need to create confidence in itself through an open identity, which is very helpful for credit accumulation.

段新星给大家详细介绍了区块链在跨境支付领域的具体应用。

The paragraph gave details of the specific application of block chains in the area of cross-border payments.

跨境支付案例

Cases of cross-border payments

境内的消费者要在境外购买一件商品，要经过下订单、确认订单、付款的过程还要经过银行、三方支付、外管局的审查等等，整个购买过程需要十多个繁琐的流程。从这里我们也能看出，这个流程是可以进行优化的，这里就不得不提到一个新的技术能够解决这个问题，那就是区块连技术。

Consumers in the country need to buy a commodity abroad, after placing orders, confirming orders, paying through banks, tripartite payments, external authorities, etc. The whole process requires more than a dozen cumbersome processes. As we can see here, this process can be optimized, and here we have to mention a new technology that can solve this problem, which is block-link technology.

区块连可以给跨境汇款带来怎样的改进?

What improvements can block companies bring to cross-border remittances?

减少中间额流转环节

Reduction of intermediate flow links

降低汇款的手续费用

Reducing transaction costs for remittances

资金可达性更高，更具时效性

Greater availability and timeliness of funding

OKLink公司的业务模式?

OKLink's business model?

OKLink公司构建于区块链技术之上的新一代全球价值传输网络(blockchain transfer network)，致力于通过区块链技术推动普惠金融的全面发展，重塑金融体系架构。OKLink联结全球中小型金融参与者，包括银行、汇款公司、互联网金融平台等，借助区块链技术极大提高价值传输网络的速度、成本及安全性。该网络已有遍及全球的数十家合作方加入。

OKLink’s new generation of global value transfer networks (blockchain transfer network), built on block chain technology, is committed to promoting inclusive finance and reshaping the architecture of the financial system through block chain technology. OKLink connects small and medium-sized global financial players, including banks, remittance companies, Internet finance platforms, etc., and uses block chain technologies to significantly increase the speed, cost, and security of value transfer networks.

段老师在分享最后说：区块链不是在什么领域都可以使用的，在使用时有几个原则是必须要遵守的，比如对于中心化管理很好的企业或领域不适用，没有必要多此一举。第二各个中心节点是对等。第三各个节点是弱信任缺乏信任的。

The teacher concludes by sharing that the block chain is not usable in any field and that there are several principles that must be observed when it is used, such as that it does not apply to well-centralized enterprises or areas, and that there is no need to do more. The second central nodes are reciprocal. The third nodes are weak trust and lack trust.

区块链最初设想的应用场景就是金融行业，无论是大公司做系统化的应用还是小公司case by case的模式都无可厚非。区块链到现在已经不是一个新的概念，他会随着技术的发展而逐渐被检验，只是他还没有到全面蓬勃的发展，而是出于一个概念验证期。

The application scenario originally envisaged for the block chain is that of the financial industry, whether it is a systematic application by a large company or a model by a small company. The block chain is no longer a new concept, and he will be tested as technology evolves, but he has not yet fully developed, but for a period of conceptual validation.

现场提问：

On-site question:

区块链在保险领域都有哪些应用?

What are the applications of block chains in the area of insurance?

1.互联网保险

1. Internet insurance

2.互助保险

2. Mutual insurance

除了银行和保险，区块链在金融领域还有哪些结合?

In addition to banking and insurance, what are the links in the financial sector?

1.票据系统

1. Billing system

2.登记财产

2. Registration of property

3.登记债权

3. Registration of claims

4.众筹领域

4. The field of public mobilization

确权怎么通过区块链实施?

How can the right of authority be exercised through the block chain?

区块链只是作用于确权后的数据不被篡改，而不是作用于确权的这个过程。

Block chains serve only to keep the data from being tampered with, and not the process of being authentic.